In-Hand Salary Calculator (CTC to Take-Home, India)
Calculator ToolsFind your monthly take-home salary from CTC
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History
All history →In-Hand Salary Calculator (CTC to Take-Home, India) — at a glance
Know how much salary will reach your bank account each month.
How to use it — step by step
Your yearly CTC, basic salary percentage and your tax regime.
Enter CTC and basic %
Basic is usually 40–50% of CTC.
Choose PF and regime
Pick how PF is calculated and the tax regime.
Calculate
Press Calculate in-hand salary.
Read the breakup
Monthly in-hand, PF, tax and yearly totals.
Pro tips
Small things that make the result better.
Quick facts
Frequently Asked Questions
Is this exact?+
No. It is an estimate based on FY 2025-26 slabs and the inputs you give. Bonuses, variable pay and company-specific rules can change it.
Is employer PF part of CTC?+
Usually yes, so it is taken out of your gross before tax and never reaches your account.
Which regime is better?+
Try both. The new regime has lower rates; the old regime helps if you have large deductions.
Is my data safe?+
Yes. Everything runs inside your own browser. Your text, files and images are never uploaded to any server.
Is this tool really free?+
Yes — completely free, no signup, no watermark and no usage limit.